More than 30,000 claims in the counties of Lee, Collier, and Charlotte were denied.

Betty Withnell, from LaBelle, has homeowners insurance with hurricane coverage. During Irma, her home suffered ceiling damage in the garage, living room, and bathroom.

But her insurance company, State Farm, denied her claim saying the cost of the damage did not meet Withnell's deductible.

"This 94-year-old woman has had insurance with them for years," said Withnell's caregiver Gayla Lawrence. "Never missed a payment, never been late on a payment, and they deny her a claim on something she thought was covered."

Mark Nation, an attorney at Morgan & Morgan, said they've talked to 400 new clients who said their insurance company denied their claims or offered them a lower amount of money.

Nation said policyholders should bring in their denial letters and other offers to an attorney.

"If we win the lawsuit, the insurance company typically has to pay our fees and costs, and if we lose, I'll work for free."

However, if you want to avoid the courtroom, you can hire a public adjuster who works on the policyholder's behalf to try and get every dollar they deserve.

For Withnell, a State Farm spokesperson told us that she couldn't discuss specific claims but said the agency is committed to working with homeowners to address concerns.

On Wednesday, State Farm sent another adjuster out to look at Withnell's damaged home and agreed that Withnell did reach her deductible. The adjuster wrote her a check for six times the amount of that deductible.

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